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2 1. Introduction 1.1 This document i.e. Mega Standard Charges 2016 (hereinafter called MSC 2016) supersedes all the earlier Mega Standard Charges. 1.2 Mega Standard Charges (hereinafter called MSC) is the details of standard charges, fees and commission which the Bank will apply for the services rendered to its customers. 1.3 The MSC 2016 does not cover interest rates on credit or deposit products, which shall come into effect through separate instruction. 1.4 All the Business Generating Units shall be responsible for reviewing the heads of Standard Charges together with the charges/fees as and when required. 1.5 This however will not restrict to propose/approve amendment or revision of a particular head/group separately. 1.6 Amendments to the MSC 2016 will be made only under the signature of the CEO or in his/her absence, his/her alternate. 2. Ownership 2.1 This MSC 2016 is the property of Mega Bank Nepal Limited. 3. Business Generating Units (BGUs) 3.1 The Bank has created various Business Generating Units (BGUs) for efficient delivery of products and services. The Bank may add, modify, reduce or change the BGUs from time to time. 3.2 As stated in Point 1.4, the BGUs shall be responsible for periodic review of standard charges stipulated herein. 4. Branch Description 4.1 The Bank will have the policy of expanding its branches and network as an inclusive approach. 4.2 All offices of the Bank shall fully comply with the MSC Mega Standard Charges 2016 Page 2 of 17

3 5. Authority Waiver/Deviation 5.1 Waivers and discounts shall be as per the authority delegated to respective approving authorities as mentioned under each commission heads. 5.2 The list of customers availing regular waivers shall be maintained at the concerned branch/business Unit. 5.3 This document shall not be applicable for products and services where specific waiver and terms/conditions have been defined. 5.4 It shall be the responsibility of all concerned departments to strictly follow the terms and conditions of this document % of proposed charges only shall be applied for permanent staff members of Mega Bank. However the charges/ waivers/ discounts shall be applicable as per the approved product paper of specified services/ products. 5.6 CEO or any individual delegated by the CEO can waive upto 100% commission except the actual charge and communication charges remaining within NRB Directives 6. Effective Date 6.1 The standard charges mentioned herein shall come into force with effect from the next working date of approval. Mega Standard Charges 2016 Page 3 of 17

9 7.2 REMITTANCES Headings Pricing Drafts (to be issued to account holders only) NPR/INR/FCY:0.10% minimum NPR Plus Communication charges. Cancellation of Draft/Stop payment of lost draft Fund Transfer via SWIFT (TT/RTGS) Outward (This facility to be provided to account holders only) In case of DD issued for education purpose, education tax 1% or as per prevailing NRB Circular to be levied. NPR flat plus communication charges (Charges applicable for new Draft issuance as per above if the customer wants to issue a new Draft in place of the cancelled/stopped Draft). In case of cancellation of DD issued for education purpose, education tax of 1% can be refunded only after confirmation from Finance Department in case when the tax has not been deposited at the concerned tax office. INR 0.10%, minimum NPR Communication charges On top of commission and communication charges, NPR to be levied for sending INR remittance with our basis: FCY (Third Countries except India):0.10% minimum NPR Communication charges SWIFT Inward On top of commission and communication charges, the following charges to be levied for sending FCY remittance with our basis: Amount Range Charge $ : $ $ : $ $ $ : $ $ and above: $ 50.00Nt (Fund transfers subject to prevailing directives/circular. Charges could vary depending on the changes in the charges of correspondent bank) Account Holders: Free Non-customers/Tourist: 0.25%, minimum NPR Transfer to another bank: 0.25%, minimum NPR Follow up SWIFT on remittances at customer s Mega Standard Charges 2016 Page 9 of 17

10 request NPR On top of the commission and charges as mentioned above, the following charges also to be levied: American Dollar inward receipts- NPR Pound Sterling inward receipts-npr Euro Inwards- Amount Range Charge NPR NPR 1, , ,500 NPR 3, ,501.00plus NPR 5, Fund transfers subject to prevailing directives/circular. Charges could vary depending on the changes in the charges of correspondent bank) Refund of Inward Payment & Nostro Cover USD ABBS Transactions Upto NPR 200,000 Free for individuals or as revised by NRB from time to time. Free for transfer within Kathmandu valley branches. Above NPR 200,000 excluding Kathmandu: 0.05% of the transferred amount or as changed by NRB from time to time Local Inter-bank Transfers (SWIFT) At the Communication charge only (commission and customer s request - Outward communication charge free for FI s and credit customers) Cheque / Drafts / MC Purchase FCY/INR: 0.75%, minimum NPR 1, with mark-up period of 15 days. Additional interest applicable on funded facility (highest rate) of the party to be applied for cheques realized after 15 days for actual number of days less 15 days (applicable for credit customers). For non-credit customers, highest published lending rate to be applied for cheques realized after 15 days for actual number of days less 15 days plus communication charges Local Clearing Cheque Purchase 0.15%, Mega Standard Charges 2016 Page 10 of 17

11 minimum NPR with mark-up period of 3 days. Additional interest applicable on funded facility (highest rate) of the party to be applied for cheques realized after 3 days for actual number of days less 3 days (applicable for credit customers). For non-credit customers, highest published lending rate to be applied for cheques realized after 3 days for actual number of days less 3 days Local Outstation Cheque Purchase0.75%, minimum NPR with mark-up period of 15 days. Additional interest applicable on funded facility (highest rate) of the party to be applied for cheques realized after 15 days for actual number of days less 15 days (applicable for credit customers). For non-credit customers, highest published lending rate to be applied for cheques realized after 15 days for actual number of days less 15 days Follow up Charges on Customer Request NPR plus actual communication charges Collections Cheque Return Max. Int. Rate applied on loan for loan customers or minimum NPR For non loan customers, highest published lending rate to be applied or minimum Rs Outward/Inward(Clean)- 0.10%, minimum NPR , plus actual Communication charges S.No. Mega Remittance: Minimum Amt Maximum Amt Service Charge Send Comm Return: NPR Paying Comm HO Comm Total SC Payment Type % 35% 35% 75 All Payment % 35% 35% 100 All Payment % 35% 35% 150 All Payment % 35% 35% 200 All Payment % 35% 35% 250 All Payment % 35% 35% 300 All Payment Waivers and discounts: Not applicable Mega Standard Charges 2016 Page 11 of 17

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